How to use Facebook Messenger payments

Send money to friends and family online.

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Facebook Messenger lets you transfer money to friends and family while keeping your card details safe — as long as you know who you’re talking to.

How do I request and send money through Facebook?

    1. Create or sign into your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.
    2. Add a payment method. From the “Settings” menu, navigate to “Payments” and click on “Account Settings.” From there you can add a US bank-issued debit card or link your PayPal account. PayPal payments are only available when sending on the Messenger mobile app.Facebook payments setup
    3. Start your transfer. Create a new message and click the dollar sign at lower right. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. Choose which payment method you want to use and then click “Pay.” You can transfer money between other Facebook users only.

    step one facebook money transfer

    step two facebook money transfer

    What happens when someone sends or requests money from me?

    1. You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.
    2. Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked account. If you deny it, the person who requested the money will receive notification.step five facebook money transfer request details
    3. Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.

    Is Facebook’s payment system safe?

    Facebook encrypts payments and user information to safeguard your money and transaction details. It also requires you to confirm your identity at times, either with personal information or PINs. Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015.

    Like other services, Facebook’s payment system is still susceptible to scams. To use Facebook’s payment system safely, avoid clicking on links from people you do not know or pay people you have not met in person.

    Tips to keep your finances safe on Facebook

    If you decide to eventually use Facebook for managing your money, consider the following tips.

    • Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
    • Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue, without prior discussion. That person’s Messenger account could have been hacked, so make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
    • Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, it would be smart to send it using a different app or platform so that your information can’t be easily compromised by any single app or website.

    Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.


    • Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
    • Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.


    • Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
    • Businesses can’t use it. Facebook supports personal transactions between family and friends only.
    • Only available in select countries. As of this writing, you can only send or receive payments through Facebook if you live in the United States, the United Kingdom or France.

    Bottom Line

    There are many money transfer apps out there that can help you send funds to a friend or family member in minutes. Facebook’s Messenger makes it easy to send using a social media website that you might already spend a lot of time on, which makes it convenient. If you plan to send a lot of money, send money overseas, or make regular payments, however, we suggest you compare more money transfer options to find the right one for you.

    Compare money transfer services

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 0 1 - 2 days USD 1.99 0.908 EUR 4,538 Quick, affordable transfers around the world. Remitly also has an express option that can transfer your money in minutes for a higher fee. The cheaper option takes several days. Go to site Show details
    USD 1 1 - 2 days USD 0.00 0.922 EUR 4,610 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
    USD 1 1 - 2 days USD 40.00 0.927 EUR
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
    USD 1 Within an hour USD 3.99 0.923 EUR 4,610 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    GBP 1,000 1 - 2 days USD 0.00 0.917 EUR 4,586 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.
    Go to site Show details
    USD 1,000 1 day USD 0.00 0.917 EUR 4,586 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
    USD 5,000 1 day USD 0.00 0.917 EUR 4,586 Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details

    Compare up to 4 providers

    Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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187 Responses

  1. Default Gravatar
    MichaelJuly 20, 2019

    Yes some how some money was sent to someone on through that pay thing on fb and I had told the people to decline the offer and after they was told not to accept they went ahead and accepted anyways I’m trying to figure out how to get my money back

    • Avatarfinder Customer Care
      BellaJuly 21, 2019Staff

      Hi Michael,

      Thanks for your inquiry.

      I’m sorry to hear about this. As soon as you have transferred the payment on Facebook messenger, the money will be taken from your account immediately and once you have sent the money to the recipient, you can no longer cancel it.

      However, if this is an online purchase and paid it using Facebook Messenger, you can contact the seller and set an arrangement on how will you get your money back. Just in case the seller didn’t cooperate, you can report the seller to Facebook so they can investigate. You can also ask for a refund by doing these steps.

      To request a refund for something you’ve purchased from a Page on Facebook:

      1. Click account settings in the top right of your screen and select Settings.
      2. Click Payments in the left column.
      3. Click the item you want a refund for.
      4. Click Contact Seller.
      5. Fill out the form and click Send.

      I hope this gets resolved soon.

      Kind regards,

  2. Default Gravatar
    TramaneMay 3, 2019

    I am a private music tutor. Can I accept payments from my students for my personal tutoring services through messenger? Please advise.

    • Avatarfinder Customer Care
      MaiMay 4, 2019Staff

      Hi Tramane,

      Thank you for contacting Finder.

      If Facebook Messenger payments will be convenient for you, then yes you can use it as a method on how your students can pay for your tutorial.

      This page has information on how can you request and send money through Facebook so you will be guided.

      Hope this helps! 😊

      Kind Regards,

  3. Default Gravatar
    LisaApril 28, 2019

    Someone I know used my FB account and connected my debit card to transfer money into their account. How can I find the password, information etc that they used to do this? Is there a way to access the activity they performed?

    • Avatarfinder Customer Care
      MaiApril 29, 2019Staff

      Hi Lisa,

      Thank you for reaching out to Finder.

      I’m sorry to hear that your money got stolen via Facebook Messenger payments.You can try to get in touch with Facebook support to check if there is a way on retrieving the information they used to initiate and perform the transfer.

      You can see your Facebook payment history by following the below steps:
      1. Click in the top right of Facebook and select Settings.
      2. Click Payments in the left menu.
      3. Click a payment to view your receipt.

      Hope this helps and wishing you can get your money back.

      Kind Regards,

  4. Default Gravatar
    IngridApril 19, 2019

    Is there a max dollar amount that can be sent through FB Messenger?

    • Default Gravatar
      EllieApril 19, 2019

      Hi Ingrid,

      Thanks for your inquiry.

      According to the Facebook Messenger support team, they allow anyone using Facebook Messenger payments to send and receive up to $9,999 within a rolling 30 day period. They do this to help protect you from unauthorized payments activity and to comply with various federal and state laws.

      Hope this helps.


  5. Default Gravatar
    DonyelApril 6, 2019

    Will Facebook pay ever send me a 1099 if I receive over $600 from someone?

    • Avatarfinder Customer Care
      BellaApril 6, 2019Staff

      Hi Donyel,

      Thanks for your inquiry.

      No, a Facebook messenger is not the payer. The person who sends you the $600 will have to send them a 1099 but only if it’s for services rendered. If it is a gift from a friend or family member they only have to pay taxes on it if it exceeds the gift tax threshold which is much higher than $600. If you did get paid because it’s a business transaction, sometimes they might want to request 1099 from the payer.

      I hope this information helps.

      Kind regards,

  6. Default Gravatar
    AntoniaFebruary 25, 2019

    I send money to a friend through Messenger and they took the money from my bank account but my friend haven’t received that money in her account. What should I do? Where is my money now?

    • Avatarfinder Customer Care
      JoshuaFebruary 27, 2019Staff

      Hi Antonia,

      Thanks for getting in touch with Finder. I’m sorry to hear about the trouble you are having.

      There could be a few reasons why this happened. Typically, it takes up to five days for your recipient to receive the money. You might wait for five business days and after that and your friend hasn’t received the money, you might want to directly get in touch with your bank or PayPal support. If all else fail, you can then directly get in touch with Facebook Messenger’s customer support.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  7. Default Gravatar
    JacquelynnFebruary 14, 2019

    My son sent me money through Facebook. My bank denied it. It was supposed to be returned to my sons account on February 14, 2019.

    Thank you.

    • Avatarfinder Customer Care
      JeniFebruary 19, 2019Staff

      Hi Jacquelynn,

      Thank you for getting in touch with finder.

      Sorry to hear about the denied payment. Please note that any canceled payments sent in Messenger will be refunded to the sender’s debit card, typically within 3-5 business days. If your son hasn’t received the said money, please ask him to get in touch with his bank as they can check if there’s any pending amount coming in to his account.

      I hope this helps.

      Thank you and have a wonderful day!


  8. Default Gravatar
    MiriamFebruary 10, 2019

    I paid for a vendor event through FB and the space promised was grossly undersized and misrepresented. Can payments be disputed due to misrepresentation?

    • Avatarfinder Customer Care
      JoshuaFebruary 10, 2019Staff

      Hi Miriam,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Facebook does not mediate between two Facebook Messenger users if there are problems in your transaction. What you can do is speak to your seller and ask him/her to give you a refund or decline the payment.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  9. Default Gravatar
    ChrisJanuary 12, 2019

    Can I immediately get cash off my palpal card?

    • Avatarfinder Customer Care
      JhezJanuary 16, 2019Staff

      Hello Chris,

      Thank you for your comment.

      Yes, you can withdraw cash at ATMs around the world where Mastercard is accepted (fee may apply) and if your PayPal Prepaid Card is linked with your PayPal Account, you can make online payments for your bills, rent, and other necessities. Fees may apply.


  10. Default Gravatar
    PerdoJanuary 4, 2019

    Can I Transfer funds From one bank to my other bank same person

    • Avatarfinder Customer Care
      ZakJanuary 5, 2019Staff

      Hi Perdo,

      Transferring money between separate banks is fairly common and can usually be done online.

      1) First, you’ll want to log into one of your existing banks online banking portal.
      2) Once you’ve logged on, look for an option that allows you to “add an external account.”
      3) After selecting that option, provide your second bank’s account information, and verify that you are the owner.
      4) Now you should be able to send and receive the funds.

      And if you need any further assistance please check out our guide on bank to bank transfers. I hope this helps!

      Best regards,

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